How to Get Your Restoration Claims Approved After A Denial
Unexpected events like floods, fires, and other natural calamities can easily disrupt your life and cause extensive property damage. As a homeowner, your only hope is to file an emergency restoration claim with your insurance company to cover the repair and restoration costs. But what happens when your claim is denied? The thought alone can be frustrating and overwhelming. However, it's essential to know that you're not alone. In this post, we'll be discussing what to do when your emergency restoration claims have been denied and how to get your claim approved even after it has been denied.
Review Your Insurance Policy
Before you take any steps, it's worth reviewing your insurance policy to understand what you're entitled to so you can understand why the claim was denied. Check for claim limitations, specific conditions that have to be met, and the reasons why the claim was denied. It's always essential to have a thorough understanding of your policy to help make sure you're always covered in the future.
Seek Professional Help
If you're unsure of why your claim was denied in the first place, reach out to a public adjuster or a restoration company for advice about your property's damages. Additionally, they can review the claim denial letter and note any discrepancies that may help support your appeal to the insurance company.
File an Appeal
Once you're aware of the reason why your claim was denied, you have the option to file an appeal with your insurance company. The most straightforward way is to draft a letter to the insurance company and include all the necessary evidence supporting your case. A well-crafted appeal can help you get your claim approved, and you'll also have a chance of having any additional damages identified.
Consider Legal Action
If your appeal is still denied, and you can't reach a settlement agreement, you may have the option of legal action. This action is usually an expensive and time-consuming process and not guaranteed to approve your claim. However, it's worth considering if you feel like you're not getting the service that you paid for.
Work With Restoration professionals
While you wait for a settlement agreement between you and your insurance company, it's essential to keep any related documentation and invoices. Opting to work with an experienced restoration company can assist in making the settlement process smoother. Restoration services work with insurance companies daily and understand the claims process well and can help detail any additional damages that fall under your policy.
Filing an emergency restoration claim is the right course of action when you experience any property damage. However, having your claim denied can be disheartening. At the moment, the most critical steps are to stay calm and review your insurance policy, seek professional help, and file an appeal with the insurance company. If the appeal process is unsuccessful, hiring legal help is an option. Lastly, working with restoration professionals can help you identify any additional damages during the claims process. In the end, getting your claims approved and restoring your property is what matters the most.
Unexpected events like floods, fires, and other natural calamities can easily disrupt your life and cause extensive property damage. As a homeowner, your only hope is to file an emergency restoration claim with your insurance company to cover the repair and restoration costs. But what happens when your claim is denied? The thought alone can…